11182758

Rapid Checkout After Payment

PublishedNovember 23, 2021
Assigneenot available in USPTO data we have
Technical Abstract

Patent Claims
20 claims

Legal claims defining the scope of protection, as filed with the USPTO.

1

1. A payment provider system, comprising: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the payment provider system to perform operations comprising: receiving a first payment request via a first merchant website associated with a first merchant and presented on a user device of a user, wherein the first merchant is different from the payment provider system; receiving login information associated with an account of the user with the payment provider system; receiving, via the first merchant website, checkout information; generating a token associated with the first payment request, the token comprising a time stamp and the login information associated with the account of the user; processing a first payment corresponding to the first payment request using the checkout information; storing the token associated with the first payment request and an associated time limit after processing the first payment; detecting a user interaction with a second merchant website associated with a second merchant and presented on the user device, wherein the second merchant is different from the first merchant and the payment provider system; in response to determining that the user interaction with the second merchant website is detected within the associated time limit of the time stamp, providing, to the second merchant website (i) a rapid checkout option and a timer that indicates a length of time remaining for the rapid checkout option to be available; receiving a second payment request and a selection of the rapid checkout option via the second merchant website; and in response to receiving the selection of the rapid checkout option via the second merchant website, processing a second payment corresponding to the second payment request using the checkout information based on the token without requiring the user to log into the account with the payment provider system or an account with the second merchant website.

2

2. The payment provider system of claim 1 , wherein the operations further comprise retrieving the token from the user device in response to detecting the user interaction with the second merchant website.

3

3. The payment provider system of claim 1 , wherein the associated time limit is determined based on an identity of the first merchant.

4

4. The payment provider system of claim 1 , wherein the operations further comprise resetting the associated time limit of the time stamp in response to receiving the selection of the rapid checkout option.

5

5. The payment provider system of claim 1 , wherein the checkout information comprises at least one of an indication of a particular funding source among a plurality of funding sources associated with the account, a billing address, or a shipping address.

6

6. A method comprising: receiving a first payment request via a first merchant website associated with a first merchant and presented on a user device of a user; receiving login information associated with an account of the user with a payment provider, wherein the payment provider is different from the first merchant; receiving, via the first merchant website, checkout information; generating a token associated with the first payment request, the token comprising a time stamp and the login information associated with the account of the user; processing a first payment corresponding to the first payment request using the checkout information; storing the token associated with the first payment request and an associated time limit after processing the first payment; detecting a user interaction with a second merchant website associated with a second merchant and presented on the user device, wherein the second merchant is different from the first merchant and the payment provider; in response to determining that the user interaction with the second merchant website is detected within an associated time limit of the time stamp, providing, to the second merchant website, (i) a rapid checkout option and (ii) a timer that indicates a length of time remaining for the rapid checkout option to be available; receiving a second payment request and a selection of the rapid checkout option via the second merchant website; and in response to receiving the selection of the rapid checkout option by the account of the user via the second merchant website, processing a second payment corresponding to the second payment request using the checkout information based on the token without requiring the user to log into the account with the payment provider system or an account with the second merchant website.

7

7. The method of claim 6 , further comprising retrieving the token from the user device in response to detecting the user interaction with the second merchant website.

8

8. The method of claim 6 , wherein the associated time limit is determined based on at least one of an identity of the first merchant, a purchase history of the user, or a user input.

9

9. The method of claim 6 , further comprising resetting the associated time limit of the time stamp in response to receiving the selection of the rapid checkout option.

10

10. The method of claim 6 , wherein the checkout information comprises at least one of an indication of a particular funding source among a plurality of funding sources associated with the account, a billing address, or a shipping address.

11

11. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a payment provider server associated with a payment provider to perform operations comprising: receiving a first payment request via a first merchant website associated with a first merchant and presented on a user device of a user, wherein the first merchant is different from the payment provider; receiving login information associated with an account of the user with the payment provider; receiving, via the first merchant website, checkout information; generating a token associated with the first payment request, the token comprising a time stamp and the login information associated with the account of the user; processing a first payment corresponding to the first payment request using the checkout information; storing the token associated with the first payment request and an associated time limit after processing the first payment; detecting a user interaction with a second merchant website associated with a second merchant and presented on the user device, wherein the second merchant is different from the first merchant; in response to determining that the user interaction with the second merchant website is detected within the associated time limit of the time stamp, providing, to the second merchant website, (i) a rapid checkout option and (ii) a timer that indicates a length of time remaining for the rapid checkout option to be available; receiving, via the second merchant website, a second payment request and a selection of the rapid checkout option; and in response to receiving the selection of the rapid checkout option, processing a second payment corresponding to the second payment request using the checkout information based on the token without requiring the user to log into the account with the payment provider system and/or an account with the second merchant website.

12

12. The non-transitory machine-readable medium of claim 11 , wherein the operations further comprise retrieving the token from the user device in response to detecting the user interaction with the second merchant website.

13

13. The non-transitory machine-readable medium of claim 11 , wherein the associated time limit is determined based on an identity of the first merchant.

14

14. The non-transitory machine-readable medium of claim 11 , wherein the operations further comprise resetting the associated time limit of the time stamp in response to receiving the selection of the rapid checkout option.

15

15. The non-transitory machine-readable medium of claim 11 , wherein the checkout information comprises at least one of an indication of a particular funding source among a plurality of funding sources associated with the account, a billing address, or a shipping address.

16

16. The non-transitory machine-readable medium of claim 11 , wherein the associated time limit is determined based on at least one of an identity the second merchant or a monetary amount associated with the second payment request.

17

17. The non-transitory machine-readable medium of claim 11 , wherein the associated time limit is determined based on at least one of a purchase history of the user or a user input.

18

18. The payment provider system of claim 1 , wherein the associated time limit is determined based on at least one of an identity of the second merchant or a monetary amount associated with the second payment request.

19

19. The payment provider system of claim 1 , wherein the associated time limit is determined based on at least one of a purchase history of the user or a user input.

20

20. The method of claim 6 , wherein the associated time limit is determined based on at least one of an identity of the second merchant or a monetary amount associated with the second payment request.

Patent Metadata

Filing Date

Unknown

Publication Date

November 23, 2021

Inventors

Benjamin Deutscher

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